Author Archives: Josh Frerking
Missouri Workers Compensation in 2014
As we begin the new year, many business owners have something else on their mind. With health care changes coming into effect on 01/01/2014 that’s not all that will be changing. In Missouri, workers compensation is going to see some … Continue reading
I Saw That Injury Coming
As an insurance agent I am trained to think of the worst case scenario and plan for it. The insurance business is no question a numbers game which comes down to doing everything you can to prevent accidents from happening in … Continue reading
Posted in National Workers Compensation
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Drugs Policies and Safety Programs relating to the Workplace
We don’t need another Lindsey Lohan story on Star Magazine to point out the ill effects drugs can have on our lives, but when it comes to the workplace; slowed response times, blurry vision, impeded depth perception to name a … Continue reading
Evolution of Workers Compensation
According to The Iowa Orthopedic Journal, workers compensation insurance in its basic form can be dated back as far as 2050 BC from ancient Sumeria and similar forms of compensation are seen in Greek, Roman, Arab and Chinese law to … Continue reading
Workers Compensation Classifications: Contractors vs. Roofing, Class Code 5465
Workers Compensation Classification to be aware of-Remodeling and Roofing Workers compensation classification codes can be very tricky to decipher especially for the carpentry and remodeling businesses (Class Code 5465). out there. There are a few things to keep in mind … Continue reading
Workers Compensation Deductibles
Insurance Deductibles- Are they worth it? What are my options? Insurance Deductibles, by design, are meant to benefit both the insured and the insurance carrier. This is a way to provide further incentives to insured’s to be active in preventing … Continue reading
Purchasing Insurance Online vs The Agent on the Corner
When purchasing insurance, many people have treated this similar to other basic life purchases such as getting groceries from your local grocery store, furniture from your local big box store or family owned furniture store, or a car from your local car … Continue reading
Posted in General
Tagged buy online insurance, online insurance quotes, purchasing insurance online
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1099 Labor for Workers Compensation Insurance
1099 Labor- Is it really saving you anything? Through the good times and the bad, business owners are always looking for a way to improve their bottom line. For many companies a place many businesses look to save money is within … Continue reading
Your Insurance Purchase- What’s the Big Difference?
As an insurance professional, I work with business owners every day who are constantly battling with one very important question: “How can I keep the premium I pay for Business Owners Insurance (BOP) down while keeping my Business protected adequately?” In … Continue reading
What Does it Mean to Include or Exclude an Owner or Officer from Workers Compensation Coverage?
Whether you are a 1 or 2 man shop or a 100+ employee company one important area to address is whether you, as the owner of the company or company officer, should include yourself in coverage on your workers compensation policy. … Continue reading
Posted in General, MO, National Workers Compensation
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